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Akhilesh Kumar Prajapati

@akhileshkumarprajapati

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Experienced Credit Manager specializing in Agri-Business and Risk Management.

India

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What I'm looking for

I am looking for opportunities that allow me to leverage my expertise in agri-business and risk management while contributing to a dynamic team focused on growth and innovation.

As a dedicated Credit Manager at HDFC Bank, I oversee the entire credit granting process for Agri-Business in Uttarakhand and U.P. My role involves assessing the creditworthiness of potential customers, underwriting loan applications, and ensuring compliance with bank policies. I have successfully managed large ticket cases and have a strong focus on risk management, which includes providing insights to optimize portfolio performance.

My previous experience as an Area Credit Officer at AXIS Bank allowed me to refine my skills in credit appraisal and risk evaluation across multiple branches. I have a proven track record of enhancing processes and managing vendor relationships, which has contributed to improved operational efficiency. My academic background in Agricultural Marketing and Community Science complements my professional journey, equipping me with the knowledge to navigate the complexities of rural lending.

Experience

Work history, roles, and key accomplishments

Current

Credit Manager – Retail Agri Credit

Current

HDFC Bank Ltd.

Jan 2023 - Present (2 years 5 months)

Responsible for the entire credit granting process for Agri-Business in Uttarakhand and U.P. This includes assessing creditworthiness, underwriting loan applications, and ensuring compliance with bank policies. Also involved in training new team members and providing risk analysis to optimize portfolio performance.

Risk Management Compliance Portfolio Management Process Optimization

Area Credit Officer – Rural Lending

AXIS Bank Ltd.

Dec 2020 - Dec 2022 (2 years)

Managed the credit granting process for multiple branches, prepared credit appraisal notes, and ensured compliance with lending parameters. Coordinated with various teams for timely reporting and managed off-role staff performance.

Team Coordination Vendor Management Process Improvement

Agribusiness Consultant

Joint Venture (NSRCEL-IIMB, PJTSAU, AIC-SMUTBI)

Aug 2020 - Sep 2020 (1 month)

Provided incubation support to Agri enterprises under the Assam Agribusiness and Rural Transformation Project. Developed proposals to enhance the startup ecosystem in the Agri sector.

Project Management Proposal Development Ecosystem Market Research Stakeholder Engagement Strategic Planning Digital Marketing

Associate

Agri Commodity Alpha LLP

Apr 2019 - Jul 2020 (1 year 3 months)

Oversaw the Agri-desk operations, monitored trading activities, and provided comprehensive reports on portfolio performance. Acted as the main contact for clients and facilitated trade finance business setup.

Reporting Client Management Payment Processing Data Analysis Business Development Compliance

Research Associate

National Institute of Agricultural Marketing

Jun 2018 - Jul 2018 (1 month)

Conducted research on regulatory mechanisms for agricultural market yards and developed operational guidelines. Involved in mapping market locations across India.

Research Regulatory Data Collection Technical Writing